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    Conditional settlement · Kenya

    Secure payment before dispatch.
    Release after confirmation.

    ArosaPay safeguards payment before dispatch and releases it only after buyer confirmation or the agreed release condition.

    Payment safeguarded before dispatch

    Until conditions are met

    Buyer confirms before release

    You stay in control

    Review path if something goes wrong

    Handled with evidence

    Your money is protected until the conditions are met.

    9:41

    Conditional settlement

    Funds safeguarded
    KES 24,850

    Awaiting delivery confirmation

    Buyer
    Wanjiku M.
    Merchant
    Nyumbani Interiors
    Order
    AP-4671
    Review window
    7 days
    Release condition
    Released after confirmation or review window expiry
    Safeguarded
    Delivered
    Confirmed
    Released

    Confirm delivery

    Safeguarded

    Confirm delivery to release payment

    Only confirm if you received the order as agreed. Once you confirm, settlement may be released to the merchant.

    Payment safeguarded before dispatch

    Until conditions are met

    Buyer confirms before release

    You stay in control

    Review path if something goes wrong

    Handled with evidence

    Settlement lifecycle

    One order. Four clear states.
    No blind trust.

    State 01

    Funds safeguarded

    Buyer pays at checkout. Funds are safeguarded before dispatch, held under the approved payment structure.

    State 02

    Fulfilled

    Merchant completes delivery and proof of fulfillment is captured.

    State 03

    Confirmed

    Buyer confirms delivery, or the agreed release condition is met.

    State 04

    Settlement released

    Funds move to the merchant according to the approved process.

    Exception

    Under review

    If something goes wrong, the transaction moves into review before release, refund, or partial resolution.

    For merchants

    Stop shipping on hope.

    Payment is safeguarded at checkout. You dispatch knowing the buyer's funds are already secured under the release conditions you both agreed.

    Accept protected payments
    • Payment safeguarded before dispatch
    • Clear release conditions
    • Lower COD exposure
    • Better delivery confidence
    • Transaction record for reconciliation
    • Payment protected until confirmation
    • Clear transaction status
    • Review path if something goes wrong
    • Safer online shopping for M-Pesa-first commerce

    For buyers

    Stop paying blindly.

    Your payment stays protected until you confirm delivery — or the agreed review window closes on terms you both accepted upfront.

    Start a protected transaction

    Pricing

    You only pay when the transaction completes.

    One pricing model, everywhere. No signup fees. No monthly fees. No charges on cancelled or refunded transactions.

    Fee model

    2.9% + KES 30

    per completed transaction

    Minimum fee
    KES 100
    Buyer pays
    Listed price only
    Deducted from
    Merchant payout

    Estimate your cost

    Fee per order
    KES 175
    Estimated monthly fee
    KES 17,500
    Estimated protected volume
    KES 500,000
    See full pricing details

    Dispute review

    When something goes wrong, the money does not move blindly.

    1. Step 01

      Issue raised

    2. Step 02

      Evidence submitted

    3. Step 03

      Review

    4. Step 04

      Release / refund / partial resolution

    For developers

    Built for reconciliation and signed webhooks.

    Every transaction carries a stable identifier, your reference, an idempotency key, and a settlement status. Webhook deliveries are signed and timestamped for verification.

    Read the API reference
    Transaction object
    {
  "arosapay_transaction_id": "txn_01HZK...",
  "merchant_reference":      "sahara-electronics",
  "merchant_order_id":       "ORD-100245",
  "idempotency_key":         "9c4f-...-ae21",
  "event_id":                "evt_01HZK...",
  "settlement_status":       "safeguarded"
}
    Webhook headers
    X-ArosaPay-Signature: t=1732190400,v1=8f2b...
X-ArosaPay-Timestamp: 1732190400
X-ArosaPay-Event-Id:  evt_01HZK...

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